Insurance & Financing in Chickasaw, AL
At North Bay Dental, we believe getting the care you need shouldn’t come down to what’s in your wallet. Dr. Jeremy Hardy and our Chickasaw team like to say we’re in the people business, not the tooth business, and that means helping you find a way to make treatment work, whether that’s using your dental insurance, spreading the cost out over time, or joining our in-house membership plan if you don’t have insurance at all.
Dental Insurance We Accept
We’re proud to be in network with a wide range of dental insurance plans, so you can put your benefits to work at every visit. Here’s what we accept, listed the way you’ll recognize it on your insurance card:
- Delta Dental (PPO)
- Delta Dental Premier
- Blue Cross Blue Shield PPO
- Blue Cross Blue Shield, UniCare/Wellpoint plans
- United Concordia, TRICARE Dental Program (TDP)
- United Concordia, Active Duty Dental Program (ADDP)
- Ameritas PPO
- Careington
- Southland
Don’t see your plan on the list? Give us a call at (251) 456-8406. We work with a number of other carriers too, and our front desk can check your specific benefits before your visit.
Flexible Financing Options
Insurance doesn’t have to be the only way to pay for care. We partner with two financing companies that let you split the cost of treatment into manageable monthly payments.
CareCredit
CareCredit is a healthcare credit card built specifically for costs like dental treatment. Apply online in just a few minutes and, if approved, use it for anything from a routine filling to a full smile makeover.
Sunbit
Sunbit lets you split your bill into monthly payments over up to 72 months, with no hard credit check and no late fees or penalties. You can see your options in about 30 seconds.
No Insurance? Our VIP Membership Plan Has You Covered
If you don’t have dental insurance, our VIP Membership Plan is built to make routine and restorative care affordable without it. Members get no yearly maximums, deductibles, or insurance claims to deal with, and no waiting period, even for pre-existing conditions. You’ll also save 15% on additional treatment beyond what’s included in your plan (ortho and implants are excluded, and this discount can’t be combined with third-party financing).
Learn More About Our Membership Plan →
However you pay for care, our goal is the same: making sure cost never gets in the way of a healthy, confident smile. If you have questions about your coverage or which option makes the most sense for your family, call our Chickasaw office at (251) 456-8406 or schedule online. We’re happy to walk through it with you before you ever sit in the chair.
Frequently Asked Questions
What dental insurance does North Bay Dental accept?
We’re in network with Delta Dental (PPO and Premier), Blue Cross Blue Shield PPO (Alabama), Blue Cross Blue Shield UniCare/Wellpoint plans, United Concordia’s TRICARE Dental Program and Active Duty Dental Program, Ameritas PPO, Careington, and Southland. Call (251) 456-8406 to confirm your specific plan and benefits.
What if my insurance isn’t on your list of accepted plans?
Give our office a call. We work with a number of carriers beyond what’s listed here, and even for out-of-network plans, we can often help you understand what your benefits will cover.
Do you offer payment plans if I don’t have insurance?
Yes. We offer financing through both CareCredit and Sunbit, so you can split the cost of treatment into monthly payments. We also offer an in-house Membership Plan designed specifically for patients without insurance.
What’s the difference between CareCredit and Sunbit?
Both let you pay over time instead of all at once. CareCredit is a healthcare credit card you apply for and can reuse for future care. Sunbit offers payment plans up to 72 months with no hard credit check and no late fees. You can compare your options for either directly through the links on this page.
What is the North Bay Dental Membership Plan?
It’s an in-house plan for patients without dental insurance. Members get no yearly maximums, deductibles, or claims paperwork, plus 15% off additional treatment beyond what’s included.
Is there a waiting period to use the Membership Plan?
No. There’s no waiting period, and pre-existing conditions are covered from day one.